Whether the loan after marriage belongs to the joint debt of husband and wife depends on whether the loan is used for the living expenses of husband and wife. The joint debt of husband and wife refers to the debt incurred to meet the needs of husband and wife. The joint debts of husband and wife are mainly based on the needs of the husband and wife's family to live together, as well as the debts arising from the management, use, income and disposal of the property. If it meets the requirements, it is the same debt.

People's Republic of China (PRC) Civil Code

Article 1064 The debts incurred by both husband and wife for the same signature or by one party afterwards, and the debts incurred by one party in his own name for the daily needs of the family during the marriage relationship, belong to the same debt of husband and wife. Debts incurred by one spouse in his own name during the marriage relationship that exceed the needs of family daily life are not joint debts of husband and wife; However, the creditor can prove that the debt is used for the husband and wife's life, production and operation, or based on the same meaning of both husband and wife.

Article 1089 At the time of divorce, husband and wife shall jointly pay off their debts. * * * If the same property is not paid off or the property belongs to each other, it shall be paid off by mutual agreement; If the agreement fails, the people's court shall make a judgment.